30-year fixed refinance rates

Find and compare the best 30-year fixed refinance rates from lenders in your area.

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INTEREST RATE

MO. PAYMENT

TOTAL INTEREST

FEES

INTEREST RATE

MO. PAYMENT

TOTAL INTEREST

FEES

INTEREST RATE

MO. PAYMENT

TOTAL INTEREST

FEES

INTEREST RATE

MO. PAYMENT

TOTAL INTEREST

FEES

INTEREST RATE

MO. PAYMENT

TOTAL INTEREST

FEES

About These Rates: The lenders whose rates appear on this table are NerdWallet’s advertising partners. NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a lender’s site. The terms advertised here are not offers and do not bind any lender. The rates shown here are retrieved via the Mortech rate engine and are subject to change. These rates do not include taxes, fees, and insurance. Your actual rate and loan terms will be determined by the partner’s assessment of your creditworthiness and other factors. Any potential savings figures are estimates based on the information provided by you and our advertising partners.

30-Year Fixed Refinance Rates

Looking for a long-term mortgage with an unchanging rate for the life of the loan? NerdWallet’s mortgage rate tool can help you find competitive 30-year fixed mortgage rates for your refinance. Just enter some information about the type of loan you’re looking for (without dishing on personal details), and you’ll get a customized rate quote in minutes.

What is a 30-year fixed-rate mortgage?

A 30-year fixed-rate mortgage is a home loan that maintains the same interest rate and monthly payment over the 30-year loan period. The 30-year fixed-rate mortgage is the most common type of mortgage because it provides the security of a fixed payment and the flexibility to afford a larger mortgage loan.

When should you consider a 30-year fixed-rate mortgage?

With a 30-year fixed-rate mortgage, you’ll pay the same amount every month no matter what happens to interest rates or inflation. You’ll likely get a sizable tax deduction for the interest you pay, especially in the early years of the loan, when most of your payments go toward interest. However, if you don’t plan to stay put for several years, or if you want a lower rate, a 15-year mortgage or an adjustable rate mortgage may be a better home loan for you.

Should you refinance to a new, 30-year loan instead of keeping the same term?

The advantages of refinancing to a 30-year loan include being able to lock in a low refinance rate for such a long time, while freeing up your money to work for you in long-term investments. Also, locking in your rates for 30 years acts as a hedge against inflation, ensuring that your mortgage payment stays the same, even as house prices and rents go up over time. However, with a longer loan you’ll likely pay more interest over the cost of the loan. You should also consider how the end of the loan stacks up against your target retirement age.

Learn more about 30-Year fixed-rate loans: